Transaction examples
The following examples cover most of the use cases.
Information – Assumptions about all the following examples
- The initial transaction amount is €150 and is initiated by the cardholder
- At the transaction time, the cardholder's wallet has a balance of €1000
- At the transaction time, the cardholder has no pending transactions. Therefore, their Balance and Authorized Balance are identical.
Accepted transaction
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank accepts the authorization.
- The payment is received by the merchant.
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Settlement | S | 150 | 850 | 850 |
Declined transaction
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank declines the payment.
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Decline | I | 150 | 1000 | 1000 |
Canceled transaction
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank accepts the authorization.
- The transaction is canceled by the merchant, before the settlement
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Reversal | V | 150 | 1000 | 1000 |
Gas station transaction
- The cardholder requests a €150 authorization at a gas station before refilling their vehicle.
- The cardholder's bank accepts the authorization (#1).
- The cardholder actually fills for €90 of fuel.
- The difference between the authorization amount and the actual amount (€60) is
reversed
(#2) - The actual amount (€90) is
settled
(#3)
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Reversal | V | 60 | 1000 | 910 |
3 | Settlement | S | 90 | 910 | 910 |
Specific case of automated fuel dispensers in the US and Canada
Please note that Treezor applies a fixed pre-authorized amount of €160 for all pre-authorization requests made in the USA or Canada for automated fuel dispensers (AFD) payments.
This applies to transactions with the following values:
"mccCode":"5542"
"paymentCountry":"USA"
(or"CAN"
)"paymentLocalAmount":"1"
In such cases, additional information can be found in the authorizationNote
:
Specific to AFD: fixed amount authorization
— Indicates that the fixed amount has been applied.Fixed amount adjustment
— Indicates that the actual amount has been charged and the leftover, if any, is reversed.
Below is a sample of a cardtransaction.create
webhook corresponding to our example. As previously described, the paymentLocalAmount
is $1, and the paymentAmount
is €160.
json
{
"merchantName": "SHELL",
"merchantCity": "EVANSTON",
"merchantCountry": "USA",
"paymentLocalTime": "135911",
"publicToken": "999999999",
"paymentAmount": "160.00",
"paymentCurrency": "840",
"fees": "0.00",
"paymentCountry": "USA",
"paymentId": "1xxx63",
"paymentStatus": "A",
"paymentLocalAmount": "1.00"
}
Multi-settlement transaction
- The cardholder purchases multiple products on an internet shop
- The cardholder's bank accepts the authorization (#1).
- The merchant does a settlement per product (#2, #3)
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Settlement | S | 75 | 925 | 850 |
3 | Settlement | S | 75 | 850 | 850 |
Multi-reversal transaction
- The cardholder purchases multiple products on an internet shop
- The cardholder's bank accepts the authorization (#1).
- The merchant makes a cancellation per product (#2, #3)
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Reversal | V | 75 | 1000 | 925 |
3 | Reversal | V | 75 | 1000 | 1000 |
Non-Euro transaction
- The cardholder pays for service or products in a currency other than Euro, in a physical or internet shop.
- The cardholder's bank accepts the authorization at the current exchange rate (#1).
- The merchant cashes in the transaction at the settlement-time exchange rate
Information – Assumptions
- Exchange rate of £100 = €150 at authorization time
- Exchange rate of £100 = €160 at settlement time
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Settlement | S | 160 | 840 | 840 |
Refunded transaction
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank accepts the authorization (#1).
- The merchant settles the payment (#2)
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Settlement | S | 150 | 850 | 850 |
If the merchant decides to refund the transaction after settlement.
Accepted refund
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
850 | 850 | ||||
3 | Refund | R | -150 | 850 | 850 |
4 | Settlement | S | -150 | 1000 | 1000 |
Refused refund
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
850 | 850 | ||||
3 | Declined | I | -150 | 850 | 850 |
Accepted transaction, without settlement nor reversal
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank accepts the authorization (#1).
- No settlements nor reversals occur.
The authorization remains active, and funds are blocked on the Authorized Balance.
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
If no further action is taken, the authorization is considered as expired after 10 days (on the night of the 10th to 11th day).
The Authorized Balance is then freed of this transaction.
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1 | - | - | - | 1000 | 1000 |
When the authorization expires:
- No
cardtransactions.create
webhooks are sent at all (Because no additional operations are generated). - A
balance.update
webhook is sent.
Accepted transaction, refused afterwards
- The cardholder makes a purchase (online or in a physical shop)
- The cardholder's bank accepts the authorization (#1).
- The transaction is then refused within one to two hours (#2).
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 150 | 1000 | 850 |
2 | Decline | I | 150 | 1000 | 1000 |
When an incident occurs on the scheme network, a previously approved authorization can fail to reach the acquirer. In such cases, the network catches the error and immediately triggers a transaction refusal.
Treezor is informed within 2 hours, and the transaction initially authorized (A
) will be declined (I
).
Direct settlement transaction
- The merchant bypasses the authorization and proceeds to a "Direct Settlement"
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Settlement | S | 150 | 850 | 850 |
Convoluted example
Consider the following scenario:
- A user has a balance of €1,000.
- The user orders 3 products at the same time on a marketplace (#1).
- One €100 product, a second €100 product and one €300 product.
- Later that day, the user tries to order a €700 product, but their authorized balance is insufficient (#2).
- The next day, the seller of the €300 product informs him that this product is not available anymore and cannot fulfill the order (#3).
- The user tries again to order that €700 product (#4).
- The sellers of the €100 products and €700 product inform them that they shipped their respective products (#5, #6, #7).
- One week later, the user returns one of the €100 products for a refund (#8, #9).
Associated wallet operations
# | Operation | Status | Amount | Balance | Authorized Balance |
---|---|---|---|---|---|
1000 | 1000 | ||||
1 | Autorization | A | 500 | 1000 | 500 |
2 | Declined | I | 700 | 1000 | 500 |
3 | Reversal | V | 300 | 1000 | 800 |
4 | Autorization | A | 700 | 1000 | 100 |
5 | Settlement | S | 100 | 900 | 100 |
6 | Settlement | S | 100 | 800 | 100 |
7 | Settlement | S | 700 | 100 | 100 |
8 | Refund | R | -100 | 100 | 100 |
9 | Settlement | S | -100 | 200 | 200 |
Explanations
- #2: Even though the user has a Balance of €1,000 at the time, their Authorized Balance is of €500, insufficient to authorize a €700 payment.
- #3: The unavailable €300 product is reversed, freeing up the Authorized Balance from €500 to €800.
- #4: The €700 purchase is now acceptable.
- #5,6,7: Each merchant of the marketplace receives an independent settlement
- #9: Refund appears as negative-value settlements